(A family is up to two adults and any of their children under the age of 18 years at time of travel)

Important

If you are considering purchasing insurance through us for your family holiday, please ensure you have read the Key Information below and the Insurance Product Information Document, which can be viewed here:

Key Information

It is important that everyone travelling with PGL has holiday insurance. Experience has shown that standard policies do not cover all our activities, e.g. motorsports, abseiling and rifl e shooting. For your protection, therefore, we have arranged a special policy with Union Reiseversicherung AG. PGL insurance includes the following benefi ts as long as claims fall within the terms and conditions of the policy:

Cover for all activities organised by PGL Personal accident up to £25,000

Medical and other expenses up to £5 million for overseas holidays and up to £10,000 (other expenses only) for the UK

Cancellation charges up to £5,000 (£1,000 UK trips)

Luggage up to £1,500. Single item £250.

Valuables limit £250

Personal money up to £500 (£200 for under 18s)

Personal liability up to £1 million

Unused activities at £20 per day (up to a maximum of £240)

Full details of our insurance cover can be found on our website or can be sent to you upon request.

Please note that cancellation cover comes into force when you pay the appropriate premiums. Some of the above sections are subject to £50 (£35 UK) excess (up to £250 excess for legal expenses). Please read the Key Insurance Points statement that follows. Clients not purchasing our insurance will be asked to complete an Insurance Indemnity Form issued
on the advice of ABTA.

Definitions and features

We would like to explain some of the definitions and features of our insurance cover for you.

Cooling Off Period
Your policy contains a 14 day cooling off period, during which you can cancel the policy and get a refund, if you have a justifi able reason for being dissatisfi ed with the cover it provides.

Pre-existing Health Conditions
If any participant who is 18 or over, or any other person on whom the travel plans depend (eg. close relative), has ever had treatment for any heart condition or circulatory condition, a stroke or high blood pressure, any breathing condition (including asthma), any type of cancer, any type of diabetes, any psychological condition, any existing injury or other serious recurring medical condition, any condition requiring long-term, prescribed medication or if you or they are receiving or awaiting investigation for any medical condition, you must advise the insurers directly to see if additional cover is available. Insurers reserve the right to impose terms. You will receive confi rmation in writing of their decision. Age exemption applies to persons under the age of 18 years travelling in the UK or to Europe (please refer to the policy wording for details).

Conditions, Exclusions & Terms
Conditions and exclusions will apply to individual sections of your policy while general exclusions, conditions and terms will apply to the whole policy. Property Claims These claims are paid based on the value of the goods at the time you lose them and not on a “new for old” or replacement cost basis.

Policy Limits
Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits, for example for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you, which we advise against.

Policy Excesses
Under some sections of the policy claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim. The amount you have to
pay is called the excess.

Reasonable Care
You need to take all reasonable care to protect yourself and your property, as if you were uninsured, otherwise your claim may be refused.

Complaints
The insurance policy includes a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.

Dangerous Sports or Pastimes
If you are going to take part in dangerous sports or pastimes where there is a risk of injury, check that your policy covers you. All activities offi cially organised and implemented by PGL are covered.

Policy Document
This gives full details of what is not covered and conditions of the cover. A copy will be sent on booking, or earlier on request.

Law
The Insurance Policy will be subject to the law of England and Wales unless otherwise agreed.

Please ensure you read your insurance policy carefully. Failure to comply with the terms and conditions of the policy may result in cover being restricted.

PGL is an Appointed Representative of Fogg Travel Insurance Services Limited who with the Insurers are authorised and regulated by the Financial Conduct Authority.